Call reports 2023
BANK OF HAYS — 2023
What BANK OF HAYS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 349,416,000 | 348,112,000 | 345,142,000 | 351,400,000 |
| Total loans | 180,188,000 | 183,771,000 | 190,135,000 | 196,860,000 |
| Allowance for loan losses | 2,841,000 | 2,841,000 | 2,842,000 | 2,836,000 |
| Securities available for sale | 145,839,000 | 139,607,000 | 131,623,000 | 130,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,543,000 | 293,816,000 | 302,053,000 | 301,833,000 |
| Interest-bearing deposits | 229,938,000 | 216,271,000 | 224,315,000 | 226,166,000 |
| Noninterest-bearing deposits | 85,605,000 | 77,545,000 | 77,738,000 | 75,667,000 |
| Equity capital | 23,991,000 | 24,209,000 | 23,360,000 | 27,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,040,000 | 6,226,000 | 9,751,000 | 13,474,000 |
| Interest expense | 911,000 | 2,064,000 | 3,491,000 | 4,978,000 |
| Net interest income | 2,129,000 | 4,162,000 | 6,260,000 | 8,496,000 |
| Noninterest income | 196,000 | 381,000 | 593,000 | 811,000 |
| Noninterest expense | 1,423,000 | 2,809,000 | 4,247,000 | 5,728,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 988,000 | 1,820,000 | 2,692,000 | 3,665,000 |
| Income tax | 179,000 | 365,000 | 560,000 | 776,000 |
| Net income | 809,000 | 1,455,000 | 2,132,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,208,000 | 32,855,000 | 33,532,000 | 34,289,000 |